Most plans have an initial waiting period of 30 days, post which, covid-19 would be covered, unless it was a pre-existing condition
I am a senior citizen living in the US with my son. I travelled here in February and have a return ticket for July-end. If the travel restrictions are lifted, can I travel back to India with a travel insurance that can cover any covid-19-related eventuality? Will travel insurance also cover costs for quarantine in case I am quarantined on my return to the country? Are there any other insurance options I can choose?
Travel insurance is meant to cover short-term emergency care while travelling abroad. Travel plans issued by Indian insurers would not cover medical emergencies arising in India.
Instead of a travel plan, you could buy a regular hospitalization plan. All regular health insurance plans cover covid-19-related hospitalization. Most plans have an initial waiting period of 30 days, post which, covid-19 would be covered, unless it was a pre-existing condition. There are some health insurance plans that you could buy online but most will require you to be in India and undergo medical tests. These plans will not cover quarantine costs unless you are hospitalized.